European insurers have seen rebounding revenues, but plenty of disruptions threaten profitability. In addition to a host of macroeconomic concerns, hyperadoption — the rapid and simultaneous uptake of unprecedented behaviors — is challenging traditional ways of calculating and underwriting risk. Digital teams are well placed to explore the implications and seek out the new opportunities that digital technology brings. This report focuses on the drivers shaping the insurance landscape and the key actions that European insurance digital business strategy teams must take as a result.